Indiana Subaru Car Dealers

I am looking to find the money factor and residual value on a 2011 Forester Limited edition, 15,000 miles per year. THANKS IN ADVANCE.

Thanks for heads-up xwesx... that would be an engineering departure from my 2005 (that I gave to my son in San Francisco) - many items that I added on that car were just plug-ins...most items were pre-wired and ready for dealer's installations...if ordered and paid for. What you are saying makes sense but that empty plugged hole on dash board (for heated mirrors) is saying: open me - open me - and look what's behind...one of these days, when it cools down, I will pop that thing out and see what's behind. To add that heating coil behind rear view mirror should not be such a problem, I would think - I think I am going to pop that mirror out as well...to see, what is behind... From what I have seen on assembly lines in Sweden (Saab) and Germany (BMW) they always pre-wire all these add-ons in the factory - but now, with watching the costs, it may not be the case.

I negotiated the price of the car separately. I negotiated the trade AFTER we reached the price on the car. So in essence, its just as if I negotiated the price of the car THEN put cash down. You have to leave the trade out of the deal until you agree on a price, thats exactly what we did. Then I spent 3 days fighting with them on the value of my trade because they WANTED to hose me on my trade. I'm not stupid enough to walk into a dealer and tell them right up front that I'm trading a car. THAT IS THE #1 DUMBEST THING YOU COULD EVER DO IN A CAR DEAL. I loved it when people offered me their trades on a silver platter like that. That is how you get screwed which is what you are trying to say happened to me, not the case. Like I said before, If I mislead anyone by not including enough detail in my post then I apologize. I'll break it down for in another way. MSRP was $26,790. Invoice was $25,610, then hold back is $768 so the net cost on the car is $24842. I paid $24,900. We went back and forth for 2 days before we agreed on that price. THEN I pulled the trade out and we fought hard about that for a few days. They really wanted to give only $2K for the trade to try and make up for the new car price, but in the end, I got what wanted. They used the equity in the trade for all the up front fees (just like cash), then the remaining equity went as cash down on the lease to reduce the payment (just like cash). IF I HAD NOT USED THE EQUITY FOR ADDITIONAL CASH DOWN, THEY WOULD HAVE CUT ME A CHECK BACK. We did it all the time when I was in the biz. Someone would trade a $10K car on a lease but only want to put $2k down, we'd cut them a check for the $8K no problem. Does this make any more sense now? Because if it doesn't, I don't know what to tell you other than I'd love to sell you a car. I guess selling 100's of cars as a former sales manger still doesn't qualify me to understand how to BUY a car does it? But what do I know right? you guys know it all. Its a shame that so much critical communication gets lost when people communicate via email, forums blogs etc. This never would have happened if we had spoken in person. Next... :P

My dealer quoted purchase price of $26,100 (have to take it with license bracket, rear bumper cover, all weather mats because they all come that way, or so he says). On top of that is ny sales tax $2,122, Doc fee $75, waste tire $12,50, Ins. $10, registration $180. Actual total dive off is $28,331. he said nothing about destination or acquisition fees, is he leaving this out by mistake or intention? Is it possible to get a lower price in NY because this seems extremely high to me? Then, if I now ask for the lease cost, 12K a year miles, 36 months, what do you think he is likely to offer? My guess is about $2,500 down, $400 per month for 36 months, which I think for this car is very high. But is there a way to anticipate this by calculation or can the dealer fudge the numbers any way he wants and therefore overcharge in his favor. By the way, why is everyone's price and lease deal all over the place? Is the primary factor in a lease deal the dealer's greed, and or the dealer's motivation to sell, therefore it's geographic and if you live in an area where these cars sell there is no good lease deal? Also, why isn't the lease deal on Subaru's site clear with down payment and all costs factored to the model and spec you want? Is that low lease price just a come on?

We partially financed (everything after the trade-ins and subaru bucks) 2 subarus thru SOA-Chase and had fine experiences. The rates could not be beat. On my wife's 07 Forester, it was 1.9% for 2 years and on my 09 Outback, 2.9% for 3 years. As to your questions: 1. Don't know - we did paperwork at point of sale. 2. No added fees or charges. 3. My installment sales contract says "You may prepay all or part of the unpaid part of the amount financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the finance charge and all other amounts due up to the date of your payment". 4. No other cautions. We use Chase-Paymatics, an automatic monthly debit from my checking account for convenience.